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Help guides

Do I need to tell you if I’m re-mortgaging my home?

2 min read

Yes, whether you’re a leaseholder or a shared owner, you need to let us know if you take out a new mortgage.

If you are a leaseholder and own 100% of your home:

You or your solicitor must send us a notice of charge when you re-mortgage.
There’s a small administration fee of £108 for us to update the records for your home.

If you own a share of your home:

You’ll need a consent to re-mortgage notice from us. To get one, please email us:

  • A copy of your new mortgage offer (including the current valuation of your property)

  • Details of your current mortgage provider

You or your solicitor will need to pay the consent to re-mortgage fee of £126. More about our fees and how to pay.

Once we have these, it usually takes 10 working days to prepare the notice and have it approved, signed, and sealed. We’ll then post the notice to you or your solicitor.

Re-mortgaging in tall buildings

If your building is over 11 metres and has cladding, most lenders will ask for an EWS1 form, which is completed by a qualified fire engineer to indicate whether or not there are combustible materials in the external wall system and if essential cladding fire safety remediation work is required to the building. Some lenders may still lend if a remediation plan is in place and leaseholders aren’t expected to pay.

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